1. Preheat oven to 400 degrees F (200 degrees C).
2. In a bowl, mix the turkey, milk, bread crumbs, eggs, onions, and bell pepper by hand. Season with salt and pepper. Fold the cheese into the mixture. Transfer to a loaf pan, and top with ketchup.
3. Bake 1 hour in the preheated oven, to an internal temperature of 180 degrees F (85 degrees C).

its delicious.. cant you get sugar free ketchup or did i just make up that invention?

You can use canned tomato paste with no sugar added. Im sure there's sugar free or reduced sugar ketchup too. Tomatoes will naturally have some sugar, but look for somethign with none added. It's more whole food oriented if you use tomato paste instead of ketchup anyway